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Online Help Center

Help Center

Can't find the answer you're looking for below? Give us a call at 888-547-6541 or shoot us an email to info@bankofmissouri.com and we'll do our very best to help you. 

General Questions

What is the bank's routing number?

081903867

What is the telephone Anytime Account Access number?

(888) 627-6799

What are the bank's cutoff times?

We have recently eliminated the 4:00 p.m. cutoff time for deposits for your convenience. All deposits are now processed on the business day on which they are received.   However, deposits received on Saturday or on a day we are not open will be processed the following business day. In determining availability of your deposits, a business day is every day except Saturdays, Sundays and federal holidays.

The current 2:30 p.m. cutoff will remain in place for all deposits received through a Bank of Missouri ATM.  Home equity loan payments, overdraft protection payments and consumer home loan payments received by 5 p.m. will be posted the same business day.

Electronic transactions conducted via our Online Banking session have a cutoff time of 7:00 p.m. Monday through Friday.  Transactions conducted via a Bank of Missouri ATM have a cutoff time of 2:30 p.m. Monday through Friday.  No internet banking or ATM transactions are processed on Saturdays, Sundays or legal holidays.  Transactions made on these days will be processed on the following processing day.

For questions please call 888-547-6541 or email us at info@bankofmissouri.com

What are the bank's legal holidays when it will be closed?

2013 Legal Holiday Schedule

All Bank of Missouri locations will be closed on the following dates in 2012 in observance of legal holidays. Please use your internet banking account or our 24-hour telephone banking system to check balances, transfer funds or pay bills. Thank you.

 

Jan. 1 Tuesday/New Year's Day
Jan. 21 Monday/Martin Luther King Jr. Day
Feb. 18 Monday/President's Day
May 27 Monday/Memorial Day
July 4 Thursday/Independence Day
Sept. 2 Monday/Labor Day
Oct. 14 Monday/Columbus Day
Nov. 11 Monday/Veterans Day Observed
Nov. 28 Thursday/Thanksgiving Day
Dec. 25 Wednesday/Christmas Day
Jan. 1, 2014   Wednesday/New Year's Day

Is there any way to deposit money after hours besides the ATM?

All locations have a night drop box for your convenience.

 

Online Banking Questions

What is Online Banking?

Online Banking is a real-time online system that allows our customers a secure and convenient way to access their Bank of Missouri accounts via the Internet.

Do I have to register to use Online Banking?

Yes. You can Enroll Online or in person at any Bank of Missouri location..

How secure is Online Banking?

State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, social security numbers, and tax ID numbers are never displayed on the Online Banking system. However, if you feel your information has been jeopardized in any way, please contact your local branch immediately.

What happens if I forget or lose my ID, password or PIN?

If you lose/forget your ID or PIN, you may call Customer Service at 888-547-6541 and with proper verification, your ID and PIN will be restored or reset. You may also use the Password Self-Reset feature online by entering your login ID at www.bankofmissouri.com.  This feature allows you to unlock yourself if your account is locked out after three unsuccessful login attempts.

What do I do if it says "Your Account is Currently Locked Out" when I am attempting to login to my account?

If you lose/forget your ID or PIN, you may call Customer Service at 888-547-6541 and with proper verification, your ID and PIN will be restored or reset. You may also use the Password Self-Reset feature online by entering your login ID at www.bankofmissouri.com.  This feature allows you to unlock yourself if your account is locked out after three unsuccessful login attempts..

What happens if I don't log off the the system?

Online Banking has a 10-minute time-out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their ID and PIN.

What does the download feature do?

The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into spreadsheet or word processing programs such as Microsoft Money and Quicken.

When viewing my current transactions, why do I see electronic transactions and online transfers duplicated?

You may see the electronic transactions, which include Online Banking transfers, twice during the bank's "end of day processing". End of day processing is required for your transactions to be updated. This process begins each banking evening and lasts several hours. The duplicate transactions will disappear at the end of the processing day.

How long are statements retained?

Eighteen (18) months. However, you may download your statements to your personal computer for your own records.

How do I activate the Password Self-Reset Feature on my account?

1. Log into your Online Banking account and go to "Options".

2. Under Options, you will need to set your Personal Question and your Personal Answer. These will be used to confirm security when you need to reset your password or unlock your account. 

3. Click Submit to store these items. 

Thereafter, if you lock your account and/or forget your password, there will be a tab at the top of your Online Banking screen that says "Reset Password". Clicking on that tab will take you to a screen which will ask you for your Online Banking ID, your e-mail address as it is on file with your online banking account, and a subject line that you will set. This subject line can be anything and is for your security, so you will know that the e-mail you are receiving to reset your password is legitimate. After you have entered this information, click submit. If your ID and your e-mail address are correct and match what we have on file, you will receive an e-mail asking you to click the link in the message. If you click on that link, you will be taken to a site which will request your online banking ID and the answer to the security question you set up. By answering both of those correctly with what we have on file and clicking submit, you will be taken to a place to reset your password. If you have not set up this security feature prior to locking your account, you will need to contact us at 888-547-6541 for assistance in unlocking your account.

 

Online Bill Pay Questions

Whom can I pay through Online Bill Payment?

You can pay anyone in the United States, from the next door neighbor, to the utility company, and even a child in college across the country. Once you have set up the vendor/merchant, you can look at the VIEW PAYEES LIST screen and the payee type will tell you if it is an electronic payment or check.

When will the money be taken out of my account?

Electronic payments are deducted from your account on the payment date. Payments made by check will be deducted from your account when the draft reaches our bank, the same as if you had written the check yourself.

What if I do not have enough money in my account?

Bill payment items will be treated just like any other check that you write.

How late in the day can I enter, edit, or delete a payment?

Bill Payments are processed at 2:00 am CST and Noon CST on the scheduled payment date. Payments entered after noon will be processed the following day.

What happens if I have a scheduled payment that falls over a weekend or holiday?

Scheduled payments that fall over a weekend will be processed on Friday at noon, CST. Any new payments that are scheduled over the weekend, for the current weekend, will be processed on Monday. Holiday processing is done the day before the holiday.

Can I stop a payment?

Yes, directly from your system in Online Banking under "Bill Payment".

Are there any merchants that I cannot pay through the bill payment service?

Yes. You cannot pay any government agencies.

Can I use Online Bill Pay if I live outside the United States?

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

Can I get a copy of a cancelled check?

You can view and print copies of your cancelled checks up to 75 days at your own computer at no additional cost to you. You may request a copy through Customer Service, however, there may be a fee associated with this service.

How long is history retained in the VIEW PAYMENT HISTORY section?

Payment History records are kept indefinitely.

What happens if I lose or forget my ID or PIN?

If you lose/forget your ID or PIN, you may call Customer Service at 888-547-6541 and with proper verification, your ID and PIN will be given to you. You may also use the Password Self-Reset feature if it has been activated for your account by entering your login ID at www.bankofmissouri.com.

How many payees may I have set up?

There is no limit to the amount of payees you can set up through the system.

What are the fees associated with Online Bill Pay?

Online Bill Pay is a free service from The Bank of Missouri.  There are no fees associated with this service. This includes unlimited usage.

 

Mobile Banking Questions

What is Mobile Banking?

Mobile banking is a service that allows bank customers to use a mobile device to initiate routine transactions and perform account research anytime, from anywhere. Customers can view account balances and transaction history, view account alerts, initiate account transfers and pay bills. Our mobile banking service supports all account types including checking, certificates of deposit, money markets, loans and lines of credit. Mobile banking is a FREE* service that allows you access your accounts anytime, using a mobile device. 

*There is no fee from The Bank of Missouri. Connectivity and usage rates may apply. Contact wireless service provider for details..

What is the Mobile Web?

The mobile web simply refers to web content accessed via an internet browser on a smartphone or other web-enabled mobile device. This requires a smartphone or other mobile device that has internet capability. The Bank of Missouri's mobile web banking solution can be accessed from any device with a web browser that allows secure SSL traffic. This is because (just like Online Banking) mobile banking is an internet site.
In order to use mobile banking, you must first sign up from within your online banking account. After you have signed up, you can login at anytime from your mobile device by going to www.bankofmissouri.com with your phone’s web browser.

What is the SMS Text Banking Service?

The Bank of Missouri's SMS/Text Banking is available through any mobile device with any carrier that can send or receive text messages. Your mobile device does NOT have to be a smartphone. However, you must be signed up for text mobile banking through your Online Banking account first in order to send and receive text alerts. Learn more about text banking by logging into your Online Banking account and clicking on "Options" and "Mobile Settings."

How do I enroll for mobile banking?

New Mobile Self-Enrollment Feature!  Now, signing up for mobile banking is easier than ever. Simply follow the instructions for self-enrollment after signing into your mobile banking app or mobile web banking session with your normal Online Banking ID and password.

OR follow the instructions below to enroll from within your desktop Online Banking session:

Mobile Web

1) Log in to Online Banking at www.bankofmissouri.com
2) Click on the “Options” tab and then click on “Mobile Settings”
3) Check the box next to “Enable web access for your mobile device”
4) Select the accounts you want to access from your phone (you may choose one or all of your accounts and you can edit this selection at any time).
5) Enter your mobile phone number (Required).
6) Select your wireless provider from the drop-down menu (Required.) Note: If you are a Cingular user that merged into AT&T, please select “Cingular” from the drop-down menu as your carrier.
7) Review the Mobile Banking Agreement and click “I Agree”. An SMS text message with enrollment confirmation will be sent to your phone following completion of the Mobile Settings.

SMS/Text Banking

1) Log in to Online Banking at www.bankofmissouri.com
2) Click on the “Options” tab and then click on “Mobile Settings”
3) Click on “Text Mobile Settings”
4) Check the box next to “Enable text access for your mobile device”
5) Enter your mobile phone number (Required).
6) Select the accounts you want to access from your phone (you may choose one or all of your accounts and you can edit this selection at any time).
7) Select your wireless provider from the drop-down menu (Required.) Note: If you are a Cingular user that merged into AT&T, please select “Cingular” from the drop-down menu as your carrier.
8) Review the Mobile Banking Agreement and click “I Agree”. An SMS text message with enrollment confirmation will be sent to your phone following completion of the Mobile Settings.


iPhone App - Must first complete the steps above for "Mobile Web"

Download the app from iTunes OR 

  • Click on the “App Store” icon on your iPhone and search for “Bank of MO on the GO.”
  • Touch the icon beside the app
  • Download the app by hitting the “Free” button in the upper right-hand corner
  • Hit the “Install” button and then enter your iTunes account password (you must have an iTunes account already setup before you will be able to download the app)
Android App - Must first complete the steps above for "Mobile Web"

Download the app from Google Play  OR

  • Click on the “Market” icon on your Android
  • Search for “Bank of MO on the GO”
  • Touch the icon beside the app
  • Download the app by hitting the “Install” button in the upper right-hand corner


(Note: If you encounter an error that says “Network Error....” this means that your internet connection might be too slow or not connected at all. Try re-starting the phone, or moving to an area where your phone receives a better signal.).

Note: Steps for signing up are identical for iPhone and Android apps with the exception of where the app is downloaded from in Step 2.

How do I view alerts in mobile banking?

Select "Alerts" from the Main Menu. 

Note: The "Alerts" option only displays if you have alerts to view.

How do I transfer funds in mobile banking?

  • Select "Transfers" from the Main Menu.
  • Choose the account to transfer funds from.
  • Choose the account to transfer funds to.
  • Enter amounts in the dollars and cents fields and select Submit.
  • An indicator that the transaction is sending displays.
  • A confirmation message and number display after the transfer is complete.
  • An SMS Text Message will be sent to confirm the transfer.

Note: You can only set up one-time immediate transfers via mobile banking. Please login to your normal online banking account to set up recurring automatic transfers.

How do I pay bills in mobile banking?

  • Select "Pay Bills" from the Main Menu.
  • Select the Payee.
  • Select the pay-from account and continue to the next screen.
  • Enter amounts in the dollars and cents fields and select Submit.
  • An indicator that the bill payment is sending displays.
  • A confirmation message and number display after the bill payment is complete.
  • An SMS Text Message will be sent to confirm the transfer. 

Note: You can only set up one-time immediate bill payments via mobile banking. Payments will process during the next bill pay processing time. Please login to your normal online banking account to create a new payee or to schedule recurring bill payments.

What are the types of mobile devices that can be used to access accounts?

The Bank of Missouri's mobile banking service requires a smartphone or other mobile device that has internet capability, unless you are only using the text/SMS service. The Bank of Missouri's mobile web banking solution can be accessed from any device with a web browser that allows secure SSL traffic. The text/SMS service will work with any mobile device with any carrier that can send or receive text messages.

What functions can I perform from my mobile device?

You can view account balances and transaction history, view account alerts, initiate account transfers and pay bills. You can also find the nearest Bank of Missouri location or ATM by using the new "Locations" feature from the mobile banking site or your iPhone or Android app.

What if I no longer want to be a mobile user?

To un-enroll from mobile banking please log into your online banking account and click on Options>Mobile Settings. Then uncheck the box next to "Enable web access for your mobile device."

What happens if I lose my mobile device?

Cancel mobile banking or text banking immediately by contacting us one of two ways:
  • Call Customer Service at 1.888.547.6541
  • Sign in to Online Banking and go to the Options tab, select the Mobile Settings section, then uncheck the box next to "Enable web acess for your mobile device."

If you find your mobile device later, you can re-enroll that same mobile number.

Why can't I add a new payee?

You can only set up one-time immediate bill payments via mobile banking. Payments will process during the next bill pay processing time. Please login to your normal online banking account to create a new payee or to schedule recurring bill payments.

How do I know if my transfer or bill payment was entered successfully?

You will receive a text message confirmation of your transfer or bill payment to the number that is enrolled with mobile banking. You may also log in to your online banking account and view your history under Transfers/Loan Payments or under the Bill Pay section to confirm that it was successful. If you do not see your transfer or bill payment in your history, please contact us at 1-888-547-6541 or email us at info@bankofmissouri.com.

What do I need to do if I get a new phone?

If you get a new phone number, you will need to log in to your online banking account, click on Options>Mobile Settings and change the information to match the number of your new mobile phone. If you only got a new mobile device, but kept the same phone number, you do not need to change any of your information. However, you will need to re-download The Bank of Missouri's mobile banking app to your new phone if you have an iPhone or Android device.

I have downloaded the app but cannot get it to work. What should I do?

Before using the iPhone or Android apps, you must first log into Online Banking and click on the Options tab and then Mobile settings.  You will need to enter your cell phone number, carrier, and choose which accounts you want to have access to. You will then be able to log into the app. If it still does not work, you must delete the app from your phone and re-download it.

How do I delete a Bill Payment that I set up through my mobile device?

This can only be done through your regular desktop online banking session.

Is there a charge for mobile banking services?

There is no charge from The Bank of Missouri for any of our mobile banking services. However, connectivity and usage rates may apply. Please check with your wireless provider for details.

What is the bank's short code for text/SMS banking?

89549

What are the text commands for text/SMS banking?

Text Commands

Bal=All Acct Bal 

Bal Acct Name=Single Acct Bal 

Hist=All Accts Recent Activity 

Hist Acct Name=Single Acct Activity 

Help=Commands 

Stop=Cancel

 

Debit Card Questions

How do I activate my new debit card?

When you receive your new ATM/Debit Card and PIN, the card must be activated before it can be used.  You may activate the card in one of four ways:

  • Through any Bank of Missouri ATM by doing a balance inquiry
  • Through Anytime Access (telephone banking) by following the prompts (1-888-627-6799)
  • Through a merchant by conducting a PIN-based transaction (enter your PIN instead of using your signature).
  • Through Online Banking by following these instructions:
    • Click on "Options"
    • Click "ATM/Debit Cards" 
      • A list of debit cards (last 4 digits) and the account(s) associated with each will appear
      • Locate the appropriate card number to activate
      • If the Status column states, “In Process Card Order,” click on the “Activate Box”
      • Click <Submit>
      • The following message will appear, “You have requested the following ATM/Debit updates.  These updates will take several minutes to complete.”
        • The screen will display the last four digits of card, the activation status and account names
      • Click on <Continue> to complete the card activation
      • The system will return to the ATM/Debit Card screen and the Status should be Active.

If you receive a new card, but cannot wait for the PIN to arrive (in a few days), the card may be used for signature-based transactions only.  The card will still need to be activated prior to use:

  • Through Anytime Access (telephone banking) by following the prompts (1-888-627-6799)
  • Through Online Banking by following the instructions above

When the PIN is eventually received, you must activate the PIN:

  • Through any Bank of Missouri ATM by doing a balance inquiry
  • Through a merchant by conducting a PIN-based transaction (enter your PIN instead of using your signature).

How do I change my PIN?

A PIN (Personal Identification Number) is required to use an ATM/Debit Card at the ATM or at a merchant for a PIN-based transaction.  PINs are automatically generated when you order a new card, but they are mailed separately.  You will receive the new card and the PIN arrives within a few days.

Changing a PIN

You may change your PIN to a personalized number at any Bank of Missouri ATM by following these steps:

  • Insert the card into the ATM
  • Enter the PIN that was originally assigned to the card
  • Select the "Deposits/Other" option
  • Select the "Other" option
  • Select the "Change PIN" option
  • Enter a personalized 4-digit PIN
  • Re-enter the new 4-digit PIN
  • You are encouraged to do a balance inquiry before leaving to ensure the PIN was changed.

What is MasterCard SecureCode?

The bank has partnered with MasterCard to offer you MasterCard SecureCode™.  This added security feature is required for customers who have The Bank of Missouri debit card and use their card to make purchases online.

  • Free added security feature
  • It can only be used for online purchases
  • You must use your Bank of Missouri debit card(s) for payment to receive this security feature
  • The online provider must be a MasterCard®SecureCode™ merchant to get the security feature
  • If you do not register your debit card, you will not be able to make online purchases with your Bank of Missouri debit card unless you register first (website will automatically prompt you to register)
  • Even if you do not plan to make purchases online, we recommend that you register your debit card for your own protection

Registration Process

Register your Bank of Missouri debit card(s) by going to the MasterCard SecureCode website

Items asked for may include:

  • Personal information will be asked as a security measure to ensure it matches with the information at our financial institution.
  • Request an email address, which will only be used for important notifications
  • Prompt you to select and enter a SecureCode that will be assigned to that particular debit card account (very similar to how a PIN is used at an ATM machine)
    • The SecureCode should be between 8-15 characters, which will include at least one number and one letter
    • The system will prompt you to create a personal greeting.  This greeting will display on the pop-up window each time a purchase is made with that debit card. 
    • You need to always make sure it is YOUR personal greeting before entering SecureCode information.
    • After registration is complete, MasterCard SecureCode starts immediately
  • If a debit card is shared, the primary user of the card should register for the SecureCode.  The other cardholder can use the same SecureCode when making purchases online.
  • If debit card numbers are different, each cardholder should register their own card
  • When your debit card expires, you will receive a card with the same number and there is no need to re-register (However, if an account is closed and a new card is issued, you will need to re-register)

How do I report my debit card lost or stolen?

To report your debit card lost or stolen, or to simply deactivate your card, please call us at 888-547-6541 OR follow the steps below:

1. Login to your Online Banking account
2. Click on the "Options" tab
3. Click "ATM/Debit Cards"
   o A list of debit cards (last 4 digits) and the account(s) associated with each will appear
   o Locate the appropriate card number to report lost or stolen
   o If the Status column states, “In Process Card Order,” click on the “Activate Box”